CREDITTECHNOLOGIES
POWERING THE FUTURE OF CREDIT

Improving access to credit and financial inclusion with AI.

We build consumer brands and AI for the non-standard credit market - serving the 20 million UK adults mainstream platforms leave behind.

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Where we focus

20 million UK adults sit outside mainstream credit. The major platforms don't build for them. We do.

We are focused on helping these customers and are building specifically for them rather than ignoring then.  We leverage AI, Data and market wide integrations to help these customers understand and improve their credit profiles and access providers that work for them.

20.3m
UK adults underserved or excluded from mainstream credit - up 16% since 2022
33%
growth in specialist community-finance lending in 2024, vs c.7% for the wider unsecured market
2025
first-ever UK National Financial Inclusion Strategy - backing small-sum lending and wider access
SOURCES: FAIR4ALL FINANCE / TRAJECTORY / CACI (2024) · HM GOVERNMENT NATIONAL FINANCIAL INCLUSION STRATEGY (2025)

AI - the unlock.

THE TECHNOLOGY

Customers in this segment have more complexed needs and may not always be looking for the right product or understand their own credit profile - on mainstream platforms they hit a wall: no offers, no explanation, nowhere to go. We're using generative AI to re-imagine the experience for everyone and ensuring consumers can understand & improve their situation and find the right products for them.

A - UNDERSTANDING
Credit reports, in plain language
Our AI agent reads a customer's credit report and open banking data and explains it back in conversation - what their position means and how to improve it, instead of a report they can't interpret and really understand.
B - CONVERSATIONAL COMPARISON
No more "no offers" dead ends
The agent explains why customers see the results they do, answers questions, and routes them to a genuinely appropriate next step - the right offer, an alternative product, or clear guidance for thin-file and new-to-country customers.
C - BUILT-IN COMPLIANCE
Guardrails by design
Our AI handles the complex, individual circumstances rules-based comparison can't - within clear regulatory boundaries built into the platform, ensuring good outcomes at the precise moment mainstream platforms abandon the customer.

Three brands.
One platform.

THE PORTFOLIO
CREDIT REPORT, SCORE & MARKET PLACE
creditangel.co.uk
creditangel.co.uk screenshot
Credit Angel uses AI to help consumers understand and improve their credit profile and find products they are eligible for.
AI NATIVE FINANCIAL ASSISTANT
moneyguru.com
moneyguru.com screenshot
The UK's first AI native financial assistant, MoneyGuru enables consumers to search for and research everything money through conversational AI.
CREDIT REPORT, SCORE & MARKET PLACE
creditengine.co.uk
creditengine.co.uk screenshot
Credit Report & Score platform for UK consumers. Unique dual bureau solution gives customers access to their TU and Equifax scores & reports in one place.
OUR AI AT WORK
Why did my score drop 40 points?
THE ASSISTANT
A missed card payment in March, plus utilisation
at 91%. Clear £180 and it should recover
on your next statement.
Thanks - that actually makes sense now.
I need £2,500 but I was declined last month.
THE ASSISTANT
Two lenders will consider you today - both
pre-checked against your real profile, with
no impact on your score.
Show me those two.
Our AI layer re-imagines the consumer experience of shopping for and understanding credit - removing dead ends and delivering better outcomes.
About Us

15 years in consumer credit.

Part of the wider Quint Group, Credit Technologies draws on 15 years experience in consumer credit - first party data, integrations and access to wider Group capabilities give Credit Technologies a unique edge to deliver on its mission.

1m+
customers helped across our platform
Excellent
rated on Trustpilot
2015
founded

Let's improve access to credit, together.

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